Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$32,170Cash toward the purchase price.
Closing costs + prepaids$12,061Not just lender fees.
Before credits & paid funds$44,231The complete starting cash picture.
Estimated remaining funds due at closing
$44,231No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,169.69
Your down payment$32,169.69
Closing costs + prepaids$12,061.10
Total buyer cash needed$44,230.79
Remaining funds due$44,230.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,684.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$461.25
Initial HOA (3 months)$155.01
Prepaid interest, first (15 days)$852.69
Fees + prepaids$12,061.10
Your down payment is the seller’s equity. You take over the $336,830 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $44,230.79 is due at closing. Uses and sources reconcile at $381,061.10 each. Not a Closing Disclosure.